There's an awful lot of hand wringing going on here with little, to no actual information at hand. The only way this new credit system is bad for anyone, is if the swaps become severely limited, there isn't really any indication of that yet. Sure they posted some titles that would be available in swaps, they didn't post all of them however. IF it ends up that only 4 or 5 exclusives are in there then yes, that's a step back. But maybe wait and see what's in there before coming to a conclusion that this is bad for everyone.
In terms of internationals getting a better deal out of this somehow, we don't. We pay far more for our memberships than US based members, so of course we get a few more credits per month, but those credits aren't given to us for free, those are direct dollar values of how much we pay. So if we're able to get an exclusive in store with our ROTM credits, and a US member falls short, it's because they haven't paid as much as us therefore they don't have as many credits. It's not a "deal" for us at all. Also don't forget we have to pay the exchange rate on these memberships, so up in Canada we pay a full 40% more than the US dollar value of our memberships. My monthly ROTM costs me $48 in Canadian funds. So yes, getting $36 back in credits may seem like a deal, trust me it isn't.
And I did not see anything that stated you can't still manually ask for a swap. I mean with CS times being what they are good luck, but I don't believe that this avenue has been shut down or anything.
Ultimately I think this is a good thing UNLESS they severally limit available swaps. In which case yes, it's probably a net loss for members. But swapping for more valued albums has always been a privilege, not a right... and as much as I'd prefer to be able to do it, and I may still be able to, I understand them adjusting the way this is done. And ultimately this now means that you aren't forced to buy an album you don't want month to month which I think is a great thing. Also the idea of using credits for an AP title if theres no swap I'm interested in is not a bad thing by any means.